Stop paying five lenders
when one payment
can do the job.
Credit cards, car loans, lines of credit. High-interest debt piles up fast and costs you more every month. Consolidating through your mortgage can dramatically cut what you pay and give you room to breathe again.
See if consolidation makes sense
Free consultation. No credit check. No obligation.
High-interest debt is designed to keep you paying forever.
Credit card interest rates in Canada average between 19% and 22%. Car loan rates often run between 8% and 15%. Meanwhile your mortgage rate sits significantly lower. That gap is money leaving your household every single month for no reason.
Debt consolidation through your mortgage means rolling high-interest obligations into a single lower-rate payment. The math usually works out significantly in your favour and the relief is immediate.
Average credit card rate in Canada
Most mortgage rates sit well below this. That gap is costing you every month.
Avg monthly saving after consolidation
Based on clients who consolidated $40,000 in mixed consumer debt through their mortgage.
Payment instead of many
One predictable monthly payment. No juggling due dates. No minimum payment traps.
From first conversation to one clean payment.
Debt consolidation through a mortgage refinance is straightforward when you have someone who knows how to structure it correctly. Here is what the process looks like.
We look at your mortgage, your debts, your income, and your equity. Then we tell you honestly whether consolidation makes sense and what it would look like.
We find the lender and product that fits your situation, whether that is a refinance, a second mortgage, or a home equity line of credit.
At closing, your high-interest debts are paid off from the new mortgage funds. Credit cards zeroed. Car loan gone. Line of credit cleared.
You make one mortgage payment per month at a significantly lower effective rate. Most clients see immediate and meaningful improvement in their monthly cash flow.
Debt consolidation tends to work best when you recognise yourself here.
Not every situation is right for consolidation. But if several of these apply to you, a conversation with us is worth having.
Ready to see what consolidation could do for your monthly payments?
Lock in a time below and one of our brokers will call you ready to review your situation. No prep needed on your end. Just show up.
What clients say about working with Tim.
Find out what one payment could look like for you.
No credit check. No commitment. Just honest numbers from someone who has structured hundreds of debt consolidation deals over 20 years.
See if I qualify Free. No obligation. Licensed in AB, BC, and ON.